Question 1

What EPF interest rate does the calculator use?

Accepted Answer

The 8.25% figure is the FY 2025-26 rate/assumption used here; it is not a declared FY 2026-27 rate (source snapshot: 28 July 2026). EPF rates are financial-year specific, so update the assumption when the applicable FY 2026-27 rate is declared.

Question 2

How is the employer 12% contribution split between EPF and EPS Pension?

Accepted Answer

The Employees’ Provident Funds Scheme, 2026 (G.S.R. 525(E)) and Employees’ Pension Scheme, 2026 (G.S.R. 527(E)) took effect on 29 June 2026, replacing the earlier scheme texts. The ordinary employee and employer PF contribution remains 12% of covered wages; the employer share generally diverts 8.33% of pensionable pay to EPS, ordinarily limited to the ₹15,000 wage ceiling unless an applicable higher-pension rule applies.

Question 3

When does EPF interest become taxable in India?

Accepted Answer

If an employee annual contribution to EPF exceeds ₹2.5 Lakhs in a financial year (₹5 Lakhs if there is no employer contribution), interest earned on the excess contribution is taxable under your income tax slab.

Question 4

Is EPF withdrawal tax-free after 5 years of continuous service?

Accepted Answer

A withdrawal after the qualifying continuous-service period can receive tax-favoured treatment, but transfer history, termination reason, employer-recognised-fund status and taxable-contribution accounts can affect the result. Earlier withdrawals may attract TDS under the current Section 393 rules when the applicable threshold and conditions are met.

Question 5

Can I contribute more than 12% of basic salary to PF voluntarily?

Accepted Answer

Eligible employees may make voluntary contributions subject to scheme and payroll rules. The credited rate is the rate notified for the relevant year, and any income-tax deduction is subject to the current Section 123/Schedule XV ceiling and chosen tax regime.

EPF Calculator (EPFO Provident Fund Interest)

EPF Balance & Maturity Accumulation

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